Hillsden Securities formally Black Horse - info / help needed

[chairman_miaow]

HI. Hope someone can help me here, or point me in the right direction.

 

I had a loan with Black Horse that

 

unfortunately, due to redundancy and not being paid from another job (long story about taking a job offer from someone i knew),

I ended up defaulting on it.

 

Eventually went to CCJ (stupid didnt fill in the forms in time ) back in 2009. June.

 

I am not disupting the fact i owed the money.

 

At first the Blackhorse, i was in an agreement, which i was paying a small amount per month,

but they also got a charging order against my house (which is in negative equity anyway).

 

Year or two after i got a letter saying it had been transferred to Hillesden securities / DLC.

 

now i keep getting letters just stating amount in arrears being the full amount i owe (6450 ish).

 

I have and am still paying £50 per month,

which was the agreed amount since i started my new job.

 

I recently had need to get hold of my land registry documents, which still shows a charge held by black horse which confused me.

 

Is the debt still with Black Horse or DLC?

 

Do i have an agreement with DLC or Black horse?

 

Why do i keep getting this arrears letter?

 

Is my agreed amount not my agreed amount (ie £50 per month. Is it what i originally had per month with black horse?)

 

It state on the letter "Opening balance £6437. Arrears £6437" then no transactions ( i have been paying every month) and then "closing balance £6437"

 

Would it be worth me making an offer for full and final, outstanding is £6437,

but the ccj date ends in June 2015, and i don't want it re-registering because i have been paying it there is the likelihood that will happen.

 

Occasionally they call during work hours so i cant answer, but i just carry on paying the agreed amount of £50.

 

What is best for me to do?

 

All help appreciated!!!

[dx100uk]

????

 

they have a CO, why are you paying ANYTHING to anyone?

 

you should Only be paying the CLAIMANT

and only at the rate THE JUDGE SET.

 

as it was a CCA debt

 

they CANT addANYTHING to the judgemet balance

 

I really do hope all you have paid so far IS coming off the main debt

not lining their [dca's] pocket

 

something smells here.

 

dx

[chairman_miaow]

Sorry i should say the original CCJ was for £7300,

and the balance now is £6300

 

it has been coming off the balance.

 

The debt was sold to dlc / hillesden back in 2010.

 

im just confused,

 

the CO is still noted to Blackhorse and not Hillesden / DLC.

 

the judge set the rate to be £156 per month, which i couldnt afford at the time,

 

i had it reduced to £20 per month, and since then increased it to £50 per month.

[dx100uk]

what exactly is in the judgement box of the CCJ

 

and WHO was the claimant

 

and

WHO were you told to pay by the judge.

 

hae you been paying THEM or someone else since the CCJ?

 

your debt is to the CLAIMANT at the level SET BY THE JUDGE.

no 2 bit fleecing dca has ANY POWER to demand anything else off you.

 

stay off that phone too!

 

writing only!!

 

 

end off!!

 

dx

[chairman_miaow]

On my credit file (equifax and call credit), both no longer show the black horse loan.

 

Both show the CCJ.

 

Neither show anywhere an amount owing to DLC / Hillesden.

 

Im worried now that they have been [problem]ming me for the last few years?

 

What am i best doing?

 

Do i contact Black horse?

 

Do i contact DLC?

 

do i contact the court?

 

What about the Charging order?

 

Im so confused

[chairman_miaow]

On the phone now waiting with black horse, to be"passed to collections, as that would be the last people who dealt with it before it was "written off".

 

Then got speaking to woman who questioned why it took me four years to ask about it.

 

Said i cant deal with Black Horse.

 

Have to go to DLC who now have the debt.

 

I asked who i owe it to they said Black Horse, but DLC have the debt.

 

I asked if DLC can legally enforce the debt and she said yes.

 

Im utterly confused.

[chairman_miaow]

Well That girl was really unhelpful and muttered under her breath a few time " good god" when i said i didnt understand.

 

She states the loan has been written off, and i now owe it to DLC, not Black horse.

 

I said this was confusing because the CCj is still registered to Black Horse.

 

And neither them nor DLC appear on my credit file.

 

What should i do to get to the bottom of this?

 

If they have sold the debt,

how can i still have a CCJ with them?

and a charging order?

Im totally confused.

 

Im not disgareeing i took the debt and it is my responsibility, im just wanting to do something about it,

and not waste money if it has been written down?

 

HELP!

[dx100uk]

woe horsey slow down...

 

get an SAR off to Blackhorse.

 

get on the phone tomorrow to the court named on the CCJ ask for a copy

 

if the charging order was also taken out at the same court ask for a copy of that too.

 

now i'm trying to get your story straight and in the right order here.

 

above you said:

 

the CO is still noted to Blackhorse and not Hillesden / DLC.

 

the judge set the rate to be £156 per month, which i couldnt afford at the time,

 

i had it reduced to £20 per month, and since then increased it to £50 per month.

 

HOW did you get this reduced, by going back to court

or was this not set by the court or a judge

but by BH?

 

whilst we have until the morning, think about what happened

and write it down.

 

dx

[chairman_miaow]

ill try and do it tonight! SOrry, just v confused. BTW i agreed a lower amount with BH, and then DLC.

[chairman_miaow]

Right.

I had written to DLC asking for info regarding the assignment / sale of debt.

 

To which a rather helpful woman emailed me asying she had got the bits together and would send them in the post.

I receicved this yesterday. Baffling to say the least.

 

The front page (photocopy) states "sale of assignment (post judgement)" between Black horse and Hillesden,

with the date of 11th August 2011 written on by hand.

the second page is definitions just standard, nothing specific.

The third page is a photo copy which seems to be redacted in places just stating two signatures and nothing else!

 

Then there seems to be a print out of my details from an excel spreadsheet with a lot of numbers in, non of which make any sense tbh.

 

That is all. Very strange. what should i do next????

[dx100uk]

not of any consequence yet have you done what was asked in post 8?

 

dx

[chairman_miaow]

I sent off the SAR last Saturday morning, and have been working nights.

 

Also have tried to call the court in question but they said i had to put it in writing.

 

I do appreciate the asistance, ive just been all over the place with work shifts changing at the moment, hadnt had space to breath!

[dx100uk]

really?

that's the first time I've heard of that.

 

you've got he CCJ number haven't you?

 

dx

[chairman_miaow]

Yes do you suggest i call again? maybe i requested the wrong thing? the Judgement number is on my credit file. i quoted that. I will call again tomorrow.

[dx100uk]

typically when we've asked people to do this

they either are quoted the judgement box verbatim

 

and can ask and get a copy in the post.

 

you migt need to ID yourself, but that's obv what you'd expect.

 

dx

[chairman_miaow]

well after a lengthy time being ill i am now in a position to get back to this.

 

I contacted the court again, and this time got information.

 

To refresh.

CCJ (plus charging order according to info) with Blackhorse in april 2009.

 

Recently sold the debt onto DLC.

 

Paying DLC £20 per month due to financial distress.

 

keep getting letters off the saying "amount in arrears" according to cca etc etc.

 

Court confirmed ccj for £7k was with black horse. (and i assume charging order)

i confirmed there have been no amendments.

 

Now where i am confused,

if i no longer owe Black Horse,

can i get the status of the CCJ changed.

 

Hilsden (aka DLC) do not have a ccj against me as they only bought the debt and

 

i as understand, a ccj cant be bought it has to be amended / transferred.

 

i am wondering what i should do next.

 

do i get confirmation that i owe black horse nothing before doing anything?

 

Or is there nothing i can do?

 

and how should i move forward with Hilsden as they keep wanting me to up the payments?

[dx100uk]

ok welcome eback.

 

as you are supposed to be paying £156PCM, set by the judge

and they are allowing you to pay £20PCM

i'd be quite happy with that.

 

if a CCJ is sold, then the new buyers should honour any arrangement you have in place

 

so sounds like its all in order.

 

you've been paying DLC, so you've acked they now own the debt.

 

do your payments to BH SHOW in the SAR

 

and p'haps the ones to DLC?

 

dx

[chairman_miaow]

thanks for the reply.

 

Yes i am happy to pay the amount agreed,

 

just not in a postion to up the payments yet.

 

What i am concerned about is if the CCj and Charging order are noted towards Blackhorse,

and i was in a postion to sell,

would the debts be repaid to black horse whom i dont owe anything to as they have sold the debt

(? is that right - they said they will put in writing i owe them nothing)

and still end up out of pocket for all the money i have given to DLC?

 

It is totally baffling to me!

 

The SAR confirmed the debt was sold to DLC,

and the solicitor for BH phoned me to confirm I owe them nothing and the debt is legally owned by Black horse.

 

I suppose it is wishful thinking to have the ccj status changed at this stage?

 

there is 13 or 14 months left out of 6 years, and i keep getting looked over for promotion due to it being there

[dx100uk]

the debt is still owed

 

forget as such the CCJ.

 

its the charging order that's the important bit.

 

 

if you go , www.trustonline.org.uk

 

that will show who owns the charges

 

and who [after your 1st charge mortgage [do you have one? do your mortgage company KNOW about this 2nd charge?]

 

they would come first in the pecking order]

 

the CO does not 'have' to be paid at all, but, its better to get rid of it by paying.

 

this 'notion' that you owe dlc or bh nowt is a false notion.

 

dx